COVID-19 Resources

Message from the Director

As the world grapples with the COVID-19 pandemic, we want you to know that we’re doing all we can to help our community. We will continue to prioritize the safety of our employees while working to support Culpeper County businesses, community leaders, and residents during this time. Below are some resources to help those who have been affected by COVID-19.

Phil Sheridan, Director of Culpeper County Economic Development

Filing for Unemployment

Community Awareness Podcast | Work Talk; Episode 27 :  How to File Unemployment Insurance During the COVID-19 Pandemic 

In this (first) special community awareness podcast, you’ll discover how to file unemployment insurance when local Virginia Career Works centers are closed. You’ll learn how to determine if you are eligible for unemployment insurance, what’s next, and the changes that have been made due to the COVID-19 pandemic.

Listen to the Podcast Here:

Pandemic Unemployment Assistance (PUA) – Affected workers, like the self-employed, who are not eligible under traditional unemployment insurance may be eligible under this brand new federal program. 

Economic Impact Payments

The IRS is committed to helping you get your Economic Impact Payment as soon as possible. The payments, also referred to by some as stimulus payments, are automatic for most taxpayers. No further action is needed by taxpayers who filed tax returns in 2018 and 2019 and most seniors and retirees.  Check the status of your payment.

SBA’s Economic Injury Disaster Loan (EIDL)

***UPDATE 5/4*** SBA is now accepting COVID19 Economic Injury Disaster Loan and Advance applications for agricultural small businesses on a limited basis. SBA’s EIDL portal will reopen today as a result of funding authorized by Congress through the Paycheck Protection Program and Healthcare Enhancement Act.

EIDL Applications already in Process –  The SBA is continuing to process applications for those companies that have already submitted their application on a first come, first serve basis. They are working as quickly as possible. SBA will provide those whose applications are approved with loans that will cover the business’s short-term working capital needs. SBA can be contacted 1-800-659-2955 or

Small businesses, private non-profit organizations of any size, small agricultural cooperatives and small aquaculture enterprises that have been financially impacted as a direct result of the Coronavirus (COVID-19) since Jan. 31, 2020, may qualify for Economic Injury Disaster Loans (EIDL) of up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred. Eligibility for Economic Injury Disaster Loans is based on the financial impact of the Coronavirus (COVID-19). The interest rate is 3.75 percent for small businesses. The interest rate for private non-profit organizations is 2.75 percent. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years and are available to entities without the financial ability to offset the adverse impact without hardship. There is no prepayment penalty. First payment not due for 12 months after approval however interest starts to accrue at time of cash disbursement. There is no fee to apply however there may be some closing costs.

Applications for Economic Injury Disaster Loans (EIDL) are now open in Virginia. Click here to access the loan application and instructions.

On March 27, 2020, President Trump signed into law the CARES Act, which provided additional assistance for small business owners and non-profits, including the opportunity to get up to a $10,000 Advance on an Economic Injury Disaster Loan (EIDL). This Advance may be available even if your EIDL application was declined or is still pending, and will be forgiven.

If you wish to apply for the Advance on your EIDL, please visit SBA as soon as possible to fill out a new, streamlined application.  This video gives an overview of the program and walks you though the streamlined application process.

In order to qualify for the Advance, you need to submit this new application even if you previously submitted an EIDL application.

Applying for the Advance will not impact the status or slow your existing application.

• Print out all application forms.  Here are the forms you will need to complete to apply for SBA loans:

ELA0-Business Loan Application (SBA 5)
ELA0-Fee Disclosure Form and Comp Agreement (SBA 159)
ELA0-Loan Application (Sole Prop) SBA 5C
ELA0-Monthly Sales Figures (SBA 1368)
Financial Statement (SBA 912)

• If you are uploading forms put a blank page between documents.
• Do not upload more than 7MB in one documents (separate).
• Save everything!
• Non-peak hours to upload are 7pm-7am.
• If at first the system is not recognizing your county or state, Make sure you entered your type of business AND clicked on EIDL only under the “Are you applying for:” section.. Otherwise, please wait a while and try again. Disaster is moving as fast as it can, but each state and individual county needs to be entered. Like everything else with Covid-19, this level of activity was never anticipated.
• If you are having trouble entering numbers, type them into a Word document, copy and paste.

Additional SBA Coronavirus (COVID-19) Small Business Guidance & Loan Resources


Lord Fairfax Small Business Development Center at Culpeper

The Lord Fairfax Small Business Development Center at Culpeper is a U.S. Small Business Administration Resource Partner and as such we also can assist with questions concerning the SBA EIDL loan program. The office is currently closed and we are teleworking, and monitoring the phones daily. For assistance call or email David Reardon, Business Consultant at 540-727-0638 or  Additional information can be found on their COVID-19 Resources webpage.

Other Grant Opportunities

Facebook Grants – Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate.

Truist – NCIFund COVID-19 Grants -$1 Million in grants from $5,000 to $25,000 for businesses that were in operation as of August 1, 2019 and that have no more than 10 full time employees and no more than $1 million in annual revenue.

American Farmland Trust – Farmer Relief Fund – AFT’s Farmer Relief Fund will award farmers with cash grants of up to $1,000 each to help them weather the current storm of market disruptions caused by the coronavirus crisis.

Google – offers $800+ million to support small- and medium-sized businesses (SMBs), health organizations and governments, and health workers on the frontline of this global pandemic.

VA 30 Day Fund – The non-profit Virginia 30 Day Fund provides forgivable loans for Virginia-based small businesses. The forgivable loan is intended to provide immediate financial assistance (within maximum three days) to meet payroll, preserve healthcare coverage for employees and save jobs while they await recently approved federal funding.

Save Small Business Fund – Small businesses who employ between 3-20 employees can apply for $5,000 grant, starting 4/20/20.

Star –Exponent announces grant program to provide marketing assistance to local business impacted by COVID-19– Grants will range from $250 to $15,000 each month, and will be awarded in April, May and June. Applicants may apply online at

Southern Smoke Foundation – Emergency Funding Opportunity For Employees in the Food And Beverage Industry: Southern Smoke Foundation provides funding to individuals in the food and beverage industry who are in crisis. To qualify for emergency relief funding you must have worked in the food and beverage industry for a minimum of 6 months and an average of 30 hours per week minimum. Every applicant must show proof of such employment, so please have paycheck stubs and/or W2s available.

People Incorporated of Virginia, a Virginia-based nonprofit, is now offering forgivable U.S. Small Business Administration microloans to small businesses affected by the COVID-19 pandemic, including those in Culpeper. For information, call the People Inc. Business Lending toll free number at 833/437-0115.

Additional Resources

Federal Resources

State Resources

Local Resources

Subscribe to our newsletter!

Be the first to hear about available properties, news from local businesses, and updated demographic information about Culpeper, VA.